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Frequently Asked Questions Insurance

When you die, the Office of Federal Employees' Group Life Insurance (OFEGLI) will pay life insurance benefits in a particular order, set by law:

If you assigned ownership of your life insurance, OFEGLI will pay benefits in the following order of precedence: First, to the beneficiary(ies) designated by your assignee(s), if any;
Second, if there is no such beneficiary, to your assignee(s).

If you didnotassign ownership and thereisa valid court order on file, OFEGLI will pay benefits in accordance with that court order.

If you didnotassign ownership and there isnovalid court orderon file, OFEGLI will pay benefits in the following order of precedence:

First, to the beneficiary(ies) you designated;

Second, if there is no such beneficiary, to your widow or widower;

Third, if none of the above, to your child or children, with the share of any deceased child distributed among descendants of that child (a court will usually have to appoint a guardian to receive payment for a minor child);

Fourth, if none of the above, to your parents in equal shares or the entire amount to your surviving parent;

Fifth, if none of the above, to the executor or administrator of your estate;

Sixth, if none of the above, to your other next of kin as determined under the laws of the State where you lived.

To designate new beneficiaries, submit a Designation of Beneficiary to your human resources office (or to OPM's Retirement Office if you are retired).

If you would like to know who is listed in your current Designation of Beneficiary, follow these instructions.

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